5 Signs You're No Longer Middle Class (My Reaction)

[@chelseafailla9887]

"regardless of your income, what you're doing with your income is the most important". Yep!

[@ALxoxo1]

Signs You Are Now Above Middle Class 1. Your income has doubled in the last few years. 2. Your only debt is your mortgage. 3. You are able to save for retirement. 4. You have passive income. 5. You are actively taking steps to reduce your tax burden.

[@Overlord277]

We need to get this topic to the top.

[@kayb5]

That's crazy. 1-3 and 5 seem like just being a normal person wise with money. 4 is the only one that seems like a uniquely upper class thing.

[@droptozro]

Well, 1) sort of---but inflation makes it feel like not much has changed. 2) No mortgage--paid off our starter 2 bedroom home earlier in 2024, but still can't tell now with inflation. 3) Still saving for retirement, but health bills have made it difficult this last year to add beyond the basic 15% 4) Nope 5) Probably need to work more on this. I listened to a lot of stuff on it years ago but need to put it in place more with investments. I'm mainly investing in Roth 401ks and Roth IRAs. Still feel middle class and on the low end of it.

[@kayb5]

@@droptozro At this point it seems people think that if you're not adding debt to your net worth every month you're upper class. You seem pretty solid if your house is paid off and you're able to save 15% for retirement. We're only at 6% (3% if you exclude company match) and we had to move to a different state which almost doubled our mortgage. We have 5 young kids and only one income, but we're not adding consumer debt into our lives and we're building our savings, so I feel pretty run of the mill middle class.

[@droptozro]

@@kayb5 That's great that you're getting a handle on it and not adding to your debt. I know exactly how you feel on one income--my wife stays at home and homeschools our kids. It seems solid from the outside, but it's not because our 2 kids both have chronic health issues now that we're trying to head off. After spending probably $10k this year on mainstream doctoral methods even though our deductible was low... we've had to recognize we're essentially on our own--most doctors said we were just going to have to mitigate the health issues(migraines almost daily for one daughter). Without tons of other details on their health issues, the only thing we've found that helps our children(and us) is truly local organic foods from local farms we know and trust. And, that comes at a cost. We have backyard 5000 sq. ft. garden, sheep, and chickens--but it's not enough. We went from spending about $600/month on food to now planning on spending $1800 next month on food. As an example, raw A2A2 milk from a farm we trust cost $14/gallon. Raw sour cream from those same cows cost about $15 for a small tub similar to what you'd buy at a grocery store. Grass-fed grass-finished beef at 1/4 cow prices is still around $6.50/lb after butcher costs. And I feel the same pressures---we want to move to a larger farm of at least 10-15 acres so we can be more self-sustainable but prices are rising too fast around us. We may have to move states, but like you now have--I don't want a %7-8% mortgage. Paying off our house felt great for about a month, but then it's been nothing but bills and costs rising. Home/car Insurance just tried to raise prices 40%, property taxes are going up another 30% next year. I felt more solid 4-5 years ago even though I was only making about $60k for our household and had a mortgage. The health issues were a wake up call on our family.

[@PattyCakeJake]

The trick is to live below your means… and continue to do so. You don’t care what other people think. Just do your own thing.

[@rustykatt3870]

Many people are struggling to just remain in the middle-class. Good luck to us all ✨😊✨.

[@alexk7405]

let's go brandon

[@pensacola321]

🤡🤡🤡​@@alexk7405

[@Cass6]

Yup 100 percent.

[@HazemeII]

that's just not true. just like the stuff the media say about trump. you genuinely can't believe anything you hear!

[@rustykatt3870]

@@HazemeII Hi Hazemell. Can you please explain what is just not true? In relation to what? I understand about the media.

[@OneIncomeSuperSaver]

For 4 years we lived on one seasonal income with zero debt..It’s been over 10 years since we had a car loan. We make on average $55k a year.

[@RachelCruze-x5]

Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼

[@Emlyusa]

I paid off my house and car before I start investing. Then I build 6 months emergency funds. Now I’m putting 27% toward retirement . Adding 3% more every year. My salary is only 2 digit. It’s not how much you make, it’s how much you save.

[@toby43078]

Your salary is only 2 digits??? So you only make no more then $99?

[@Sunfl0wer25]

Right?!! So 27% of 99 isn't a lot 😅😂

[@yocobicus]

Pick your hard! Employer match "if offered" is free money to you. Did you mean 5 digits?

[@rebeltheharem7028]

I did the opposite, started investing and kept my debt. That's mostly because my debts were low interest rates, like a 2% car, 4% home, 5% student loans, and I believed in the value of investing early as more time = more money.

[@TimothyCathcart]

Crazy!!! your expenses must be extremely low.. Do you live at home with parents?

[@rustykatt3870]

Rachel, thank you for being kind and able to be non-judgemental. ✨😊✨ Good luck to us all.

[@RachelCruze-x5]

Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 :⁠-

[@braddavid902]

I love Rachel’s videos. Very easy to understand

[@RachelCruze-x5]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼

[@ralphparker]

I think it is unrealistic to take someone who is wise, frugal, etc and call them upper class because they have the benefit of their frugality. Because their frugality shows up in their lifestyle that is diminished from the true upper class. But I argue this. Someone living a upper middle class who is content has a better life than an upper class person who is not content. There is a lot of stuff that rich people spend money on that don't make you happy, secure, or otherwise enhance you life.

[@RachelCruze-x5]

Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼

[@kay203]

My wife and I make combined $280K in NYC suburb... by definition, I'm def upper class but I dont feel it... Our taxes are like 80K... so out of the 200K, we spend another 50K on housing and 20K on childcare... with 130K left, we spend 60K ish and save 70K ish... so I'm saving good amount but just live plain middle class lifestyle

[@eile4219]

that's why national average or median income is pointless. Too many poor people in other places to bring the average and median down. Always good to just compare to your own area. $280K for a couple in NYC is just not enough to have a quality middle Middle Class life when your rent can be 3k or 4k a month, paid more taxes than national average.

[@alexpietsch7997]

"After covering the two largest fixed expenses of the middle class and saving the median household income of the country, we can only spend 5k every single month".

[@Brandons125]

I don't think spending $60k per year after accounting for housing costs and also saving $70k is normal behavior for the middle class or even upper middle class. I would consider a family of 3 spending $60k /year on all expenses middle class.

[@bobjoe109]

You are able to save approximately as much as the average household makes in America and you think that's just a plain middle class lifestyle?

[@mocheen4837]

In San Francisco $300,000 is barely middle class.

[@Mississippian]

I make way less than the 118k limit and not yet 30 (but close...). I am fully on track for retirement, 2 homes with 1 rented for passive income, no non-mortgage debt, and invest most of my funds to keep my money growing and have a very fulfilling budget based system to do it all. I did go from working minimum wage to making more than twice that in a span of 7 years. It's possible, y' all! This is a good list.

[@blakedesmond]

Good for you.

[@eile4219]

Depends on the definition of middle class. You maybe still no middle class.

[@Mississippian]

@@eile4219 of course I am in the middle class! I just said that in my first sentence.

[@eile4219]

@Mississippian like I said all depends on the definition. Most people said they are middle class either way.

[@firefly9838]

Our household only makes about 85k a year but we are on track for retirement.

[@xlerb2286]

I don't remember my salary doubling in a few years but if you've got a good paying job, are living below your means, and investing you're on the path to building wealth. By the definition of middle class used in this video we haven't been middle class for a fair number of years. That doesn't mean a wild lifestyle though. We live modestly and drive nothing special ten year old cars. But that gives us the freedom to spend a little extra on the things that are important to us and not worry about paying for the little emergencies in life, like the furnace going out (which it just did).

[@RachelCruze-x5]

Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼

[@BrianAnu]

I grew up middle class. Haha said it first!

[@AGoldieDog32876]

😂

[@briankelly1240]

?

[@philipgerry5228]

Kamala did too, so I’ve heard.

[@shawnbradshaw9842]

I am married (both 40) with one son (10). We make combined $120k, live in fishers IN and have a $300k house with $80k left on the mortgage, i have $450k in my retirement and my wife has about $400k in her retirment. So technically we are millionaires but i would say we just live comfortably.

[@RachelCruze-x5]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼

[@LStormPokemonGO]

I admire the messaging discipline across the Ramsey group. Eliminate debt. Build emergency fund. Invest slowly.

[@RachelCruze-x5]

Glad you resonated with it🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 🗻

[@UnoZocalo]

If you notice, only invest if you are out of debt. Don’t contribute even with a match until you have all debts paid off and several months. Good discipline in messaging also means giving up 100% of what you put in, plus whatever returns. Math isn’t mathing. It is simple minded advice that costs hundreds of thousands of dollars over decades.

[@TheThriftyPractitioner]

A main theme here is~ How you utilize you money and spending can affect how you see/view your place within the income ranks.

[@RachelCruze-x5]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼

[@leahwolber7082]

It really depends where you live too and if you have state taxes. My husband and I each gross over 100k, but feel and behave middle class. We budget, careful with spending, invest 15% and still have debt. We’re ok with the debt we have at this point (student loans and mortgage) and are working to pay it off but not aggressively. Here’s what makes a big difference- when you bought your house (2019), do you have childcare costs (no, all my kids are in school), how many investing years do you have left- those are important.

[@RachelCruze-x5]

Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼

[@jimv77]

I was raised in poverty, and have a middle class career. Even though we're now upper class, we'll always identify as lower-middle-class. Never forget where you came from!

[@RicBentley]

same

[@Rogerthatidea]

Same

[@mocheen4837]

Even in San Francisco where people make $400-500k per year they identify as middle class.

[@jaybah836]

I don't know about always identifying as lower middle class

[@terrylynn9984]

Amen

[@monicamitchell4060]

I make $68k and feel perfectly middle class. No debt other than mortgage. I hear people making double my salary complaining about how they are barely making it living in the same area as me. I don't understand it.

[@RachelCruze-x5]

Glad you resonated with it🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 🗻

[@Next-v3u]

Quality of life depends on prices going down or up. Earning to spending ratio defines wealth.

[@RachelCruze-x5]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼

[@chriskredlo5198]

Very well done. Thank you

[@RachelCruze-x5]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼

[@Annette_Lisa]

I was a stay at Home mom with no money in my IRA or any savings of my own, which was scary at 53 years of age. Three years ago I got a part time job and save everything I make. After 3 years, I am 56 yo and have put $9,000 in an IRA and $40,000 in my portfolio with CFA, Evelyn Infurna. Since the goal of getting a job was to invest for retirement and NOT up my lifestyle, I was able to scale this quickly to $150,000. If I can do this in a year, anyone can.

[@NianLisa]

I went from no money to lnvest with to busting my A** off on Uber eats for four months to raise about $20k to start trading with Evelyn Infurna. I am at $128k right now and LOVING that you have to bring this up here

[@DannielleRosales]

Evelyn Infurna Services has really set the standard for others to follow, we love her here in Canada 🇨🇦 as she has been really helpful and changed lots of life's

[@Annette_Lisa]

Use her name to quickly conduct an internet search.

[@Annette_Lisa]

SHE’S MOSTLY ON TELEGRAMS APPS WITH THE BELOW NAME.

[@Annette_Lisa]

Infurnaevely1 she’s verified

[@Abraham.Lincoln22]

$118k has not been “upper class” in over 40 years. 🇺🇸

[@transitengineer]

Yes, you are correct. The author of this article has mixed up the term "Lower Middle-Class" with "Upper Middle-Class" because, as we all know there are three (3)-levels of Middle-Class: lower, middle, and upper (smile ... smile).

[@ahwhite2022]

It arguably never has been. The idea that "upper class" is contingent upon salary reflects an ignorance of what wealth and class really is. There are plenty of upper class people with very little personal income, and plenty of high earning middle class people.

[@drlax15m]

just hitting it this upcoming year, and it is not for NY, especially after taxes

[@RachelCruze-x5]

Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼

[@EricMoore790]

You can buy a family size TV dinner without getting anxiety.

[@Travel_Photography_Dude]

Yessss made it to the upper class according to this income range🙌🙌

[@RachelCruze-x5]

Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼

[@paulmitchell1580]

Please make EveryDollar available in the UK

[@RachelCruze-x5]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼

[@chitrumbo112]

You can be lower class and live without debt. We're a former military family of four living at the median income. No debt except mortgage on a 2 bd 990 sqft fixer. Not fancy, but possible.

[@njvalueinvestor]

Rachel looks so much like her dad. I love the show.

[@RachelCruze-x5]

Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 :⁠-

[@wilsonle61]

My Brother and Sister in Law live in a 10 Million Dollar home in San Fransisco. He earns what I guess is over 1 Million a year. They think they are middle class. Only in SF.

[@RachelCruze-x5]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼

[@jeremywheeler2122]

I've never been middle class. I make less than 30k, my house is paid off, my 2024 pickup is paid off, and I contribute a little bit to my retirement every month.

[@RachelCruze-x5]

Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 :⁠-

[@jabow1878]

The problem with being middle class in income without debt keeps your child from getting scholarships for college. Even merit scholarships look at debt as a reason why parents can’t pay more. Crazy! A family member chose early in their marriage to not go into debt except their house. They are tight- because they are saving to buy their next car and pay big orthodontist bills. FASFA only sees a good savings…..

[@jabow1878]

And the child cannot declare independence!

[@anndeecosita3586]

You can get scholarships when you are middle class. It’s harder to get grants and work study. I went to college with kids who had partial and full academic scholarships and now I have friends whose kids have them because their standardized test scores and grades were exceptional. Also many scholarships are not administered through schools and don’t ask about family income. Also if your parents are divorced, you don’t have to put down a non-custodial parent’s income but some people don’t know this.

[@transitengineer]

Please make sure to tell all future college students that a 4-year degree does not guarantee a job. Also, to keep from needing a student loan please suggest they go to college like me, as a daily commute student and continue to live at home with their parents. This is how, I earned my B.S. degree in Electrical Engineering with zero student loans (smile ... smile).

[@mocheen4837]

Not sure why I am forced to fill out the Fafsa forms when I know we will not qualify for any aid. Such a scam

[@ADR-j9m]

I truly wish I knew when I was 22 what I know now.

[@RachelCruze-x5]

Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼

[@Stefan-d3c]

Hi! I'm from New Delhi looking to start investing in the US stock market with $80-100k. Should I focus on index funds or individual stocks? Also, any tips on handling currency exchange rates? Thanks!

[@Gracejay-d2e]

With $80-100k, I'd suggest a mix of index funds and a few individual stocks. Diversify and watch currency rates by converting in smaller amounts. Good luck!

[@Andreallln]

Personally I put down 1.3m$ on few ETFs, still diversifying. It was this time last year I made my first million with a liquid 200k. Invested it with a CFP here in TX, I get weekly pay out which I invest back on long term ETF's. Google will be a huge buy for me when the market bottoms.

[@JohnBeen-r3v]

I’m glad I found this conversation. My risk tolerance is high, and I want to take advantage of the upcoming market run. Can you direct me to your CFP?

[@Andreallln]

My CFA is SHARON CRUMP CLINE, experienced advanced lady and also consults for a Texas-based brokerage hence is independent and can be a fiduciary to you. Look her up.

[@Andreallln]

I've stuck with ‘’SHARON CRUMP CLINE ” for years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.

[@zachdarr7605]

I’ve doubled my base pay since 2020, it’s been crazy.

[@nicksmith8141]

My wealth is in the lower upper class, but still living at a middle class salary level on an upper middle class class income. I've got my family dialed in right now spending less than ever with my foot to the floor investing and saving.

[@RachelCruze-x5]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼

[@bphifer]

I clicked this to see if I was still considered middle class, not to see if I upgraded out of it

[@LeviRobinson270]

I'm favoured, $60k every week! I can now give back to the locals in my community and also support God's work and the church. God bless America..

[@Gshddgs]

Assets that can make one successful in life

[@Gshddgs]

I. Forex 2.Stocks 3.Shares

[@Gshddgs]

forex is profitable and lucrative investment online

[@VilleToivonen952]

​@@GshddgsYou are right.

[@VilleToivonen952]

But I don't know why people remain poor due to ignorance

[@R_Jon]

The best way to break out above the middle class is to own a business. A lot of work is required, but usually people choose a business they’re passionate about. We’re upper class, but didn’t start there. My wife and I started as a young married couple in college- with me stressing over a $500/month rent payment. We’re now 46 and save about $500,000 a year and live on a 29 acre ranch in California. Building a business gives you the chance to do that. Almost no employees will ever be able to earn 7-figures.

[@RachelCruze-x5]

Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 :⁠-

[@movdqa]

When I see this title, I also sees that it goes both ways. I think that a lot of people have been falling out of middle class due to inflation. There's a lot of anger at inflation and I see it regularly. You say this in the 1970s too but people got used to it and adapted their behavior to inflation rates that were far higher for far longer than what we've dealt with the last four years.

[@RachelCruze-x5]

Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 :⁠-

[@hollybigelow5337]

Dang, even in my best years I was barely in the Middle Class. I felt so rich compared to the rest of my life and even the rest of the world. How are people making so much money? Good for them. I wish I could figure that out.

[@RachelCruze-x5]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼

[@michaelwoods4495]

Rachel (and seemingly most of the commenters) seem to define class by wealth (either income or net assets or both). But I view class as an outcome of character and morals. If I had to define middle class by income, though, I'd have it go to a higher number than cited here.

[@BrianMattews-i7t]

Every week I buy more of whatever is the lowest percentage of my portfolio and try to keep everything around 10%. Please what could be my safest buys with $400k to outperform the market in 2024?

[@americanopinions]

I'd avoid the index funds, mutual funds, or specific stocks for the time being. The 5% fixed incomes are the safest bet for now. Save your cash for when the market actually shows sign of recovery.

[@Too-old-Forthischet]

Opting for an inves-tment advisr is currently the optimal approach for navigating the stock market, particularly for those nearing retirement. I've been consulting with a coach for a while, and my portfolio has surged by 85% since 2023

[@viewfromthehighchairr]

pls how can I reach this expert, I need someone to help me manage my portfolio

[@Too-old-Forthischet]

I'm cautious about giving specific recommendations since this is an online forum and everyone situation is unique, but I've worked with Sophia Irene Powell for years and highly recommend her. Look her up to see if she meets your criteria.

[@SkepticalMechanic-l9x]

Thank you for the recommendation. I'll send her an email and I hope I'm able to connect with her.

[@fookbia8875]

I'm worth over 5 million and I'm middle class. 30k a month income with some passive income. It's not enough. Trust me. 10 million plus is out of the middle class. I drive a Honda Crv. I can't afford a G Wagon or Rolex. I live in the 1st house I purchased when I was 27. I'm a blue color worker. I'm working class.

[@beckypetersen2680]

Are you from the UK? They tend to call people who are lower class "working class". in this video, these are just lower/middle/upper - not working class as I think she is assuming people are working.

[@RachelCruze-x5]

Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼

[@quinten5805]

Great video and content but for me first time watch... but your eye seem looking too high from the center of the camera? Maybe reading off a list or a poster or teleprompt?

[@bigcahuna42366]

I would define social-economic classes as the lifestyle that your income can mathematically afford in your local area without going into non-mortgage debt. Lower class is most basics but very little to no luxuries. Middle class is all basics with a few luxuries. Upper class is all basics with many of the finest, higher end things that money can buy.

[@RachelCruze-x5]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼

[@DonaldRedeemed]

My income has over doubled, but it moved me into pew researches definition of middle class. Ot could double again and I would still be middle class.

[@RachelCruze-x5]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼

[@YSBRYD-CATH]

In a recent video you mentioned that you use an online savings account... could you tell us what bank you use for that? Thanks!

[@davidlenzo5096]

The term middle class was coined to appeal to a group of people The government wants to state you in order to vote for a party or individual.

[@RachelCruze-x5]

Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼

[@nataliestark8243]

Hot water heater... expect at least $2,000, more than the starter emergency fund.

[@raymondbush1407]

Not if you do it yourself. Had to Google how to do it a few years ago and went to Lowe's and bought it and came home and installed myself. Cost right at 700.

[@RachelCruze-x5]

Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼

[@felixthecat1528]

🤯 Dangit! I’m still poorer than a costume grouch on Easter Sunday whelp……………………back to penny wrappin

[@RachelCruze-x5]

Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 :⁠-

[@jameseroh6544]

Tennessee may offer a relaxed lifestyle. But the reality of wealth in America is being established enough that inflation took your $45k house past a $1M value. So the old standard that Meryl Lynch gave me, that the house I live in is not wealth, hold true. But the earning money while we sleep is important! Passive income is where most wealth starts. And not having all our eggs in one basket, shows wealth too! As a 7 year cancer survivor. Having comprehensive healthcare just down the street matters. I have relatives that live in lower cost areas. That they would have to go several counties over to get the same healthcare I have locally.

[@RachelCruze-x5]

Glad you resonated with it🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 🗻

[@Anne-pk8gs]

5 Signs You Are No Longer in the Middle Class 1. Your income has been cut in half. Your spouse lost their job & cannot find work. You’ve had to get a side gig, in addition to your full time job, just to try & stay afloat. 2. You’ve begun running up debt on credit cards in order to buy gas & groceries; just trying to stay afloat. 3. You are no longer able to save for retirement. You need every penny to try & stay afloat. 4. You have no hope of ever having passive income; you’re just trying to stay afloat. 5. Taxes, income & property, are unaffordable & will ultimately bankrupt you. But, you can’t even think about that right now, you’re just trying to stay afloat. Congrats! You are no longer in the middle class; you are now in the US poverty class. It’s an enormous & growing group of Americans who are footing the bill for the whole world, except you & your family.

[@gulllars4620]

IMHO: No debt except house (and that one not over-leveraged, healthy equity and OK % of after-tax income), healthy buffer savings emergency fund that is only touched for actual infrequent emergency events, saving 10-15% of your income in investments to build wealth (and letting it compound without extracting all dividends/gains) preferably maxing a employer match or Roth/IRA, and also crucially _not being daily stressed about your personal economy_. I didn't mention any income level, because frankly if your income is too low you won't be able to check those boxes, but you can achieve an above middle class life experience with the right mindset (critically planning, discipline, and living somewhat below your means) and sufficient middle / upper middle income managed well.

[@gimmpy91]

I’m two minutes into this video and I realize my career in the military has made me exactly middle-class….

[@RachelCruze-x5]

Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 :⁠-

[@ChristianVignet]

Cryptonica has already achieved great results, but you dont talk about it. Why is that?

[@traxiii]

Those numbers don't work in places like San Jose, or New York.

[@craigjames499]

My income is below the median average. I have zero debt I own my own house I invest 40 percent every month I have passive income I still regard myself as working class.

[@RachelCruze-x5]

Glad you resonated with it🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 🗻

[@richardhartland3637]

if you depend upon income from working for someone else or if you own the business but your absence would cause the business to collapse then you are at best middle/ working class. If you can live off the income generated by your assets even if you choose to work you are no longer working class.

[@RachelCruze-x5]

Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 :⁠-

[@iaaabp]

118,000 is straight middle class. Upper middle class starts at about $300,000. Upper class doesn’t have to work for a living. They live off the income from their apartment buildings.

[@atrbulldog5955]

Why do people always use “household” median income, assuming we are all have a family. Just give me the individual stat

[@RachelCruze-x5]

Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 :⁠-

[@andrewm7352]

Yay! This is the first Ramsey media product I've seen that acknowledges the cost of childcare. Thank you!

[@RachelCruze-x5]

Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 :⁠-

[@barbarawoods.970]

I have a question. I used to do the Every Dollar but found it difficult because I am a teacher and get paid on the 22nd of every month. I do a paper budget from the 22nd of the current month to the 21st of the next. Can I do that with Every Dollar?

[@calebpatterson2031]

The average heavy equipment operator (dump truck, excavator, bulldozer) makes 77/hr or $160,000/year. I would consider that middle class

[@RachelCruze-x5]

Glad you resonated with it🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 🗻

[@margiedenavarre7919]

Is it just me or am I the only one that doesn’t feel sorry for people who feel strapped with $200,000 a year? If you still feel broke with that much money, you are living in an area that is just too expensive and could feel completely different in a lower cost area. And mind you, that might not be several states away, it just might mean that you have to get slightly out of the city. We live on $80,000 income, of course, less once taxes are taken out, but we’re OK. Maybe we don’t have the ability to go out and buy whatever we want whenever we want, but we’re also not constantly worried about money. If we had $200,000 a year I can guarantee, I wouldn’t be worried about money with the way I spend money right now.

[@RachelCruze-x5]

Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 :⁠-

[@timdiorio9664]

Middle class to me means you have disposable income, ability to save and you can take vacations. Upper class I would say starts when your money works for you and working is an option not a necessity

[@RachelCruze-x5]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼

[@marty906]

The average global personal income is $9,733 per year. If you make more, you're above average.

[@RachelCruze-x5]

Glad you resonated with it🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 🗻

[@SamuelStMarie]

It's interesting that with this title... They decided to go in that direction.. Could have Gone in the more populist direction. As most people are never going to upgrade out of middle class. But many of us are going to downgrade from middle class to lower middle class or poor at some point in our life. I guess this video is not for those people. Therefore I will let the 1% that upgrades out of the middle class watch this video. Good viewing!

[@theIdlecrane]

I must say, with the exception of item one, these don't appear to be very high bars. Well done to everyone who gets a pass.

[@RachelCruze-x5]

Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 :⁠-

[@kathyrine-b6i]

I feel investors should be focusing on under-the-radar stocks, and considering the current rollercoaster nature of the stock market, Because 35% of my $270k portfolio comprises of plummeting stocks which were once revered and i don't know where to go here out of devastation.

[@VincentMason-y8r]

Well as you know bigger risk, bigger results, but such impeccable high-value trades are often carried out by pros.

[@LoïcJansen]

People dismiss the importance of advisors until they are burned by their own emotions. I remember a couple of summers ago, following my lengthy divorce, I needed a good boost to assist my business stay alive, so I looked for qualified consultants and came across someone with the highest qualifications. She has helped me raise my reserve from $275k to $850k, despite inflation.

[@FrankHernandez-f8o]

This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? I'm in dire need of proper portfolio allocation.

[@FrankHernandez-f8o]

Very much appreciated. I just searched Caroline Suzan Olson on the internet, spotted her consulting page ranked top, and was able to schedule a call session. I've seen commentaries about advisors, but not one looks this phenomenal.

[@tedroberts19]

gosh that music is sooooo distracting

[@ptg01]

I wonder how net worth factors into being in the Middle Class or otherwise...

[@RachelCruze-x5]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼

[@al3220]

I wouldn't classify these signs as "upper class". Maybe middle middle class. Upper middle class would exceed all of these signs. True upper class you wouldn't even know your exact debts and networth because you have a private *team* of bankers working for you to manage all of that.

[@terrylynn9984]

My husband makes more now then he ever has. However with inflation so high in Canada, the money does not stretch the way it used to. Also one needs to look at gross pay and what the actual net pay their take home they live off with. Reality is the net pay. Canadian govt takes 40 percent of ones income in taxes. Not fun being in this country.

[@RachelCruze-x5]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼

[@RachelCruze-x5]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼

[@DonaldMark-ne7se]

Nobody can become financially successful overnight. They put in background work but we tend to see the finished part. Fear is a dangerous component, hindering us from taking bold steps we need in other to reach our goals. you have to contend with inflation, recession, decisions from the Feds and all. I was able to increase my portfolio by $289k in months. You have to seek for help in the right places.

[@Jamessmith-12]

I think it's not always about fear, Sometimes realistic factors discourage people from reaching their goals in life. For instance, I've tried investing in the stock market several times but always got discouraged by fluctuations of stock value

[@JacquelinePerrira]

The best course of action if you lack market knowledge is to ask a consultant or investing coach for guidance or assistance. Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since January, even though I know it sounds obvious or generic. I believe that is the most effective way to enter the business at the moment.

[@kevinmarten]

please who is the consultant that assist you with your investment and if you don't mind, how do I get in touch with them?

[@JacquelinePerrira]

There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’ Carol Vivian Constable” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.

[@kevinmarten]

She appears to be well-educated and well-read. I ran a Google search on her name and came across her website; thank you for sharing.

[@anndeecosita3586]

I don’t know about because I always see it depending on family size as well. As someone who is child free, I don’t have the expenses that my friends with children have. So even if they make more I am doing about the same if not better than they are financially.

[@transitengineer]

I agree with your comment 100 percent, we are a childless couple. Have been married to the same women for 40-years, and my Net Worth is $1.1 million and, my wife's Net Worth is $600,000 (smile ... smile).

[@RachelCruze-x5]

Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼

[@maxangeles6279]

nobody has money to save for retirement. lots of emergencies and relatives asking for help.

[@geraldf.1222]

Am I Upper Class? One House Paid One House bought 6 years ago One Car Payment One SocSec Income Activated One SocSec Income Pending Living off 401k balance

[@arnoldgibbs3089]

What happens when the wife gets pregnant. Duel income no kids fades very quickly.

[@RachelCruze-x5]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼

[@wagon9082]

Good video

[@RachelCruze-x5]

Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼

[@lyarcadia]

Looks like the median income decreased this year...

[@RachelCruze-x5]

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[@ElizabethMae-2003]

I have surpassed middle class making 40k by this standard.

[@RachelCruze-x5]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼

[@AKBRONCOSFAN007]

Does it truly matter what “class” a person is in??? Another person’s opinion of me is none of my business. This is a ridiculous topic and video. On another note, Rachel Cruz reminds me of Mike Rowe in that they are extremely careful about what they say or how they say it because they’re so concerned about getting “cancelled” if the say the “wrong” thing to the wrong person. Just a perception I have of Rachel and Mike.

[@RachelCruze-x5]

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[@TartarianTopG]

What about upper middle class

[@RachelCruze-x5]

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[@midwestpanther98]

Signs your no longer middle class: Greedy landlords have jacked your rent up to 70 percent of your income

[@gahaha8565]

Blame the govt & fed, when they print $, they cause rampant inflation which then forces landlords to scale the price, or else they lose $ due to opportunity cost or lose actual money due to not keeping up with taxes or maintenance costs inflation.

[@RachelCruze-x5]

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[@bcjammer87]

When you make faces like the one in the thumbnail you’re no longer middle class

[@RachelCruze-x5]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼

[@sheepdawg6946]

Making more than $120k in Calif is hard to believe that you are upper class.

[@RachelCruze-x5]

Glad you resonated with it🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 🗻

[@Hobojet]

That's not true anymore after inflation do you work for the banks? Middle class starts at $130000 single income

[@RachelCruze-x5]

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[@andrewahall]

Did no one catch that she said to use debt as a tool? 10:30

[@lindseye2750]

No, She said using debt as a tool well don’t be defined by your mistakes…..

[@mcfluffier]

*Andy from Parks and Rec shocked face meme*

[@Drtate_therealtor]

She meant use money as a tool.

[@mcfluffier]

@@Drtate_therealtor what is debt but other peoples money.

[@JewelBlueIbanez]

“Only making $70,000/year”. I wish.

[@RachelCruze-x5]

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[@nrwiederhold]

i know i'm no longer in the middle class in this economy

[@RachelCruze-x5]

Glad you resonated with it🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 🗻

[@ryanwestphal8310]

Class has nothing to do with income.

[@RachelCruze-x5]

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[@Peterl4290]

I am just beginning my "investment journey" and plan to invest $100,000 in dividend companies to earn up to 30% in dividend yields per year. What advise would you give?

[@RachelCruze-x5]

Glad you resonated with it🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 🗻

[@jasonleatherwood2172]

125k family income we definately not upper class lol

[@RachelCruze-x5]

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[@sontran7356]

Why does she look somewhere and not toward the camera. Odd watching the video so just end up listening until I found the summary of the 5 in the comments, read the 5 and moved on.

[@RachelCruze-x5]

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[@machintelligence]

You are upper class if you have enough that you no longer have to work for a living. (Upper Upper class inherited their money)

[@RachelCruze-x5]

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[@scottjackson163]

Why would “the last few years” mean anything special in terms gauging class standing? Nobody cares - or should care - about velocity of wealth creation.

[@RachelCruze-x5]

Thanks for your time! As hyped as i am about getting more good content out! Don’t forget to like the video🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼 :⁠-

[@phyllisburtonhearsawho]

Didn't Charlie Munger and Warren Buffett invent the strategy of buying/investing when the market is low and also buying/investing when the market is high? As Warren Buffet said, he has seen this happen many times in his life. Not an investor. My husband and i never earned more than a middle class salary. We plan to get retired at 58 with a stock portfolio worth $4M. We have never sold so much as one share of stock...

[@RachelCruze-x5]

Good will surely finish what he stated in your life, for everything works together for good, if you love the podcast, to know more about this podcast🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟸𝟶𝟽𝟽𝟷𝟿𝟺𝟼𝟼𝟼

[@teenindustry]

Doubling your income depends on where you are when you are a student you might only earn small change. You often double it with your first proper job. Minimising tax is also pretty bad behaviour if you live in a society

[@ryanmarkey5012]

Add barack obama telling us we were not middle class.

[@JonKessel]

Christian Healthcare Ministries is a great example of socialism

[@laundrygoddess4]

No truly it isn't. It's a business

[@republicunited2183]

Better than Dem communism.

[@jabow1878]

Christian Socialism- choosing to op in- is way different then governmental socialism. Military health care is a form of socialism. No matter your rank, your family is fully covered.

[@OneIncomeSuperSaver]

Someone does know the definition of Socialism..Younger kids through out words without knowing the true meaning of the word they are using 😂

[@laundrygoddess4]

@@jabow1878 military healthcare is paid by the government so it is a socialism policy. A religious organization profiting is not socialism